BlastPoint's Banking Scorecard
Freedom Bank, Inc.
Micro
Specialty: Commercial
WV
FDIC cert 15664
Designations: ✓ Community bank
Belington, WV
2498
banks in Micro tier nationally
29 in WV
View Micro leaderboard (WV) →
Freedom Bank, Inc. shows strong momentum with 2 strengths and 108.6% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 0.95% above tier
- + Non-Interest Income / Assets 0.60% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$422.3M
+108.6% YoY
+103.6% QoQ
|
+$204.8M |
$217.5M
+2.3% YoY
|
$1.2B
+25.2% YoY
|
$5.9B
+6.5% YoY
|
Top 9% in tier |
| Total Loans ? |
$293.3M
+125.5% YoY
+141.6% QoQ
|
+$154.1M |
$139.2M
+2.8% YoY
|
$864.4M
+27.4% YoY
|
$3.1B
+8.5% YoY
|
Top 9% in tier |
| Total Deposits ? |
$374.5M
+105.7% YoY
+102.9% QoQ
|
+$190.9M |
$183.7M
+1.8% YoY
|
$1.0B
+25.2% YoY
|
$4.7B
+6.3% YoY
|
Top 6% in tier |
| Return on Assets ? |
2.03%
+107.5% YoY
+96.0% QoQ
|
+0.95% |
1.08%
+14.7% YoY
|
0.91%
+18.2% YoY
|
1.12%
+15.6% YoY
|
Top 9% in tier |
| Net Interest Margin ? |
4.37%
+12.5% YoY
+8.9% QoQ
|
+0.52% |
3.85%
+6.6% YoY
|
3.71%
+8.8% YoY
|
3.75%
+7.1% YoY
|
75% |
| Efficiency Ratio ? |
53.15%
-23.9% YoY
-22.5% QoQ
|
-14.58% |
67.73%
-4.8% YoY
|
69.56%
-4.9% YoY
|
65.09%
-5.1% YoY
|
85% |
| Delinquency Rate ? |
0.28%
-46.3% YoY
-0.9% QoQ
|
-0.36% |
0.64%
+24.4% YoY
|
0.65%
+52.5% YoY
|
0.66%
+20.3% YoY
|
56% |
| Loan-to-Deposit Ratio ? |
78.31%
+9.6% YoY
+19.0% QoQ
|
+3.78% |
74.53%
+0.5% YoY
|
79.26%
+0.2% YoY
|
78.04%
+0.7% YoY
|
54% |
| Non-Interest-Bearing Deposit Share ? |
30.34%
-17.9% YoY
-20.4% QoQ
|
+7.95% |
22.39%
-1.3% YoY
|
26.49%
+6.8% YoY
|
21.79%
-1.3% YoY
|
80% |
| Nonperforming Asset Ratio ? |
0.25%
-46.5% YoY
-24.4% QoQ
|
-0.20% |
0.45%
+25.1% YoY
|
0.49%
+34.0% YoY
|
0.48%
+20.8% YoY
|
52% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
7.84%
+3.8% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
1.16%
+56.0% YoY
+128.1% QoQ
|
+0.60% |
0.56%
+0.3% YoY
|
0.59%
-6.5% YoY
|
0.65%
+0.6% YoY
|
Top 6% in tier |
Signature Analysis
Strengths (2)
Return on Assets
metric
Top 9%
in Micro
Why this stands out
Current:
2.03%
(Tier avg: 1.08%, National avg: 1.12%)
Non-Interest Income / Assets
metric
Top 6%
in Micro
Why this stands out
Current:
1.16%
(Tier avg: 0.56%, National avg: 0.65%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
94
94th pctile
Non-Interest Income / Assets
Current: 1.16% · Tier avg: 0.56%
94
94th pctile
Total Deposits
Current: $374.5M · Tier avg: $183.7M
91
91th pctile
Total Loans
Current: $293.3M · Tier avg: $139.2M
91
91th pctile
Total Assets
Current: $422.3M · Tier avg: $217.5M
91
91th pctile
Return on Assets
Current: 2.03% · Tier avg: 1.08%
85
85th pctile
Efficiency Ratio
Current: 53.15% · Tier avg: 67.73%
80
80th pctile
Non-Interest-Bearing Deposit Share
Current: 30.34% · Tier avg: 22.39%
75
75th pctile
Net Interest Margin
Current: 4.37% · Tier avg: 3.85%
56
56th pctile
Delinquency Rate
Current: 0.28% · Tier avg: 0.64%
54
54th pctile
Loan-to-Deposit Ratio
Current: 78.31% · Tier avg: 74.53%
52
52th pctile
Nonperforming Asset Ratio
Current: 0.25% · Tier avg: 0.45%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
Top Weaknesses
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
52
52th pctile
Nonperforming Asset Ratio
Current: 0.25% · Tier avg: 0.45%
54
54th pctile
Loan-to-Deposit Ratio
Current: 78.31% · Tier avg: 74.53%
56
56th pctile
Delinquency Rate
Current: 0.28% · Tier avg: 0.64%
75
75th pctile
Net Interest Margin
Current: 4.37% · Tier avg: 3.85%
80
80th pctile
Non-Interest-Bearing Deposit Share
Current: 30.34% · Tier avg: 22.39%
85
85th pctile
Efficiency Ratio
Current: 53.15% · Tier avg: 67.73%
91
91th pctile
Return on Assets
Current: 2.03% · Tier avg: 1.08%
91
91th pctile
Total Assets
Current: $422.3M · Tier avg: $217.5M
91
91th pctile
Total Loans
Current: $293.3M · Tier avg: $139.2M
94
94th pctile
Total Deposits
Current: $374.5M · Tier avg: $183.7M
94
94th pctile
Non-Interest Income / Assets
Current: 1.16% · Tier avg: 0.56%